hud, doj and ore agencies have brought a record number of fair lending claims revealing that hundreds of thousands of borrowers were discriminated against, and many of these discriminatory actions, of course, have led to borrowers being underwater or even losing their homes. one of the things we are heartennenned by is the prominence of the office of fair lending and equal opportunity which, of course, is housed at the cfpb. this office is charged with ensuring that rules like the qm rule and ability to repay rule would be implemented in a fair manner and that the cfpb's supervision and enforcement efforts are comprehensive and diligent. it's also important to note that the safe harbor provision does not exempt lenders from discrimination or fair lending claims. even borrowers who receive a safe harbor mortgage or a qualified mortgage can experience discrimination, so that's a very important point to keep in mind. it would also be important to insure that compensation schemes did not contribute to consumers receiving higher cost mortgages when they really qualify for lower cost produc